Larry Reed

HECM Specialist NMLS# 506608

839 Surfside Drive Suite 103
Surfside Beach, SC 29587

About Me

Larry Reed
HECM Specialist | NMLS# 506608 | 1-803-269-1053

I love working with the HECM Program and deeply appreciate the opportunity to meet so many wonderful people in the process. My approach is to listen, learn, and to educate. Our time together will support folks to understand HECM, how it can enhance their retirement, and prepare them to make an informed decision.

With over 3 decades in the mortgage industry, Larry is a professional who brings considerable expertise to his role as a HECM Specialist. During those many years, Larry has worked in all facets of the industry including President and CEO of nationwide mortgage companies.

His own retirement brought the gift of the HECM and working with retirees. “I have had the privilege to clarify this extraordinary program for hundreds of people. My recommendation after 10 years specializing with HECM is to become fully informed. Call me and we will take all the time you need to become educated. Then you will decide if HECM is the correct choice for your situation.” My wife and I moved from Columbia, SC to Surfside Beach, SC in May, 2015. Nearly every day, my wife says, “I love our new home”. The HECM allowed us to purchase it with no mortgage payment.

Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying off existing mortgage
  • Reduce monthly expenses by paying debt
  • Enhance your cash flow
  • Incorporate housing wealth into your retirement plan
  • Create an emergency fund
  • Increase cash to help ensure monthly bills are paid
  • Fund for home repairs or upgrades
  • Reduce the burden of out-of-pocket healthcare costs
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Have the cash for a large expense, such as a vacation or vehicle


“Thank you for extending my retirement an additional 9 years!”

-Bill T.

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